Jeffrey Houben is the sole advisor at Houben Planning Associates Inc. in Brighton, MA. He holds the ChFC® and Series 63 designations and has 22 years of industry experience. Houben has worked with Guardian Life since 1992 and has led his own firm since 1999. Houben Planning Associates serves individuals, families, retirees, and small businesses by providing financial planning, retirement-plan consulting, and fee-based investment advisory services. The firm emphasizes customized, cost-conscious retirement planning, offering non-discretionary advice with periodic reviews and supports clients in selecting their own brokers.

Sumit Dhanda is the sole advisor at Viraj Capital, LLC, an independent firm based in Cambridge, MA. He holds Series 63 and Series 65 designations and has seven years of industry experience, including six years as a self-employed advisor prior to founding Viraj Capital in 2019. Viraj Capital offers discretionary portfolio management and model portfolio construction focused on technology stocks, ETFs, and options related to the semiconductor industry. The firm employs an aggressive, tactical investment approach that integrates fundamental and technical analysis with short-term trading and hedging strategies, utilizing performance-based fees and derivatives in separately managed accounts.

Lisa Franks is a financial advisor with L M Franks Capital in Chestnut Hill, MA, holding a Series 65 designation and 11 years of industry experience. She previously worked at Taylor Wealth Management Partners for four years before founding her current firm in 2018. Outside of advising, she manages an art holding company and a family real estate LLC for estate planning purposes. L M Franks Capital provides customized discretionary and non-discretionary investment management and advisory services to individuals, high-net-worth clients, estates, trusts, and charitable organizations. The firm employs a top-down investment approach that integrates global growth analysis with fundamental, technical, behavioral, and charting methods to pursue long-term growth with income, managing approximately $34 million in client assets.

Kimberley Feeney Zollo is a Certified Financial Planner® with 17 years of industry experience. She has been with Essex Capital Management since 2012. Outside of her advisory role, she serves as an adjunct professor at North Shore Community College, teaching math, financial management, and macroeconomics courses. Essex Capital Management is an independent, fee-only firm serving individuals, families, trusts, estates, charitable organizations, and businesses. The firm offers discretionary portfolio management and financial planning, focusing on diversified, asset-allocation driven portfolios using mutual funds, ETFs, individual securities, and non-correlating assets.

Yuri Iozzo is a financial advisor with Oltarion Capital LLC and holds a Series 65 designation. He has professional experience primarily outside of finance, including roles at OPKO Health, Sanofi, and the University of Massachusetts Medical School. Oltarion Capital provides non-discretionary investment advisory services and limited-scope financial planning to individuals, high-net-worth clients, corporations, and institutional clients. The firm uses model portfolios focused on mutual funds and ETFs, customizing recommendations to client objectives while excluding cryptocurrencies and leveraged or inverse ETFs.

Sean Mcdonough is a CFP® professional with 30 years of industry experience, currently serving as the sole advisor at Onboard Financial Management, LLC since 2020. Prior to founding Onboard, he spent 13 years at Winslow, Evans & Crocker, Inc. Outside of advising, he occasionally prepares taxes for a limited number of clients. Onboard Financial Management is an independent registered investment adviser serving individuals, trusts, estates, and small businesses with discretionary investment management and financial planning. The firm employs a customized, long-term approach to constructing diversified portfolios using ETFs, mutual funds, and individual securities, with an emphasis on low turnover and periodic rebalancing.

Enrique Perez is a financial advisor at Mission Park Capital, LLC in Cambridge, MA, holding a Series 65 designation with seven years of industry experience. He has served at Mission Park Capital since 2018 and previously worked at the Massachusetts Housing Finance Agency from 2015 to 2018. Mission Park Capital provides fee-based investment advisory and discretionary portfolio management to individuals and a variety of institutional clients, employing a tactical allocation approach with fundamental analysis. The firm also offers standalone financial planning, college-cost planning, and comprehensive services that include estate plan coordination and tax planning.

Ryan Wilson is a CFP® professional with 13 years of industry experience and has been the sole advisor at Wilson Capital, LLC since 2012. He holds Series 63 and Series 66 licenses and operates his independent advisory firm from Swampscott, MA. Wilson Capital provides fee-based investment advisory and financial planning services to individuals, trusts, and small-business profit-sharing plans. The firm applies a tactical allocation strategy based on fundamental analysis, offering discretionary portfolio management tailored to client objectives, including accommodating client-imposed investment restrictions.

Elizabeth McVittie is a CFP® with 21 years of industry experience, currently serving at OSAIC since 2023. She has operated McVittie Financial Advisors since 2008 and previously worked at FSC Securities Corporation for 18 years. Outside of her advisory roles, she serves as Treasurer and Finance Committee Member for the United Parish of Auburndale, overseeing the church’s endowment fund and financial records. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that provides advisory and brokerage services through a large network of financial advisors. The firm serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, utilizing a range of investment strategies and technology-driven portfolio management tools.

Rand Spero is a CFP® professional with 17 years of industry experience, currently serving as the sole advisor at Street Smart Financial, LLC in Lexington, MA. He has been with Street Smart Financial since 2008. Street Smart Financial provides fee-only financial planning and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm manages approximately $52 million for about 62 clients using a risk/reward approach focused on diversification, low-cost mutual funds and ETFs, and tactical asset allocation informed by macroeconomic analysis.

Steven Qian is president and chief compliance officer of Tribeca Investment Inc. with 10 years of industry experience. He previously held roles at Ninth Eternity Asset Management LLC, Ninth Eternity Securities LLC, Ninth Eternity Venture Capital, and Beijing Botai Kangrui Investment Management. Outside of finance, Qian is a shareholder and director of Pulsethera Corporation, a small business focused on the elimination of drug-resistant pathogens through light inactivation. Tribeca Investment Inc. provides discretionary investment management and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm manages approximately $19 million and offers tailored portfolios primarily allocated among equities, fixed income, mutual funds, and ETFs using proprietary technical-analysis models and regular account reviews.

John Harrison is a CFP® with 21 years of industry experience and has served as President of Aspire Financial Advisors, Inc. since 2012. He is also a licensed insurance broker specializing in life, health, and fixed or indexed annuities. Aspire Financial Advisors provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm emphasizes tactical asset allocation using both fundamental and technical analysis and offers a largely non-discretionary management model with multiple compensation options.

Thomas Fisher is a CFP® professional with 20 years of industry experience and has been the principal advisor at Fisher Financial Strategies since 2005. He operates an independent firm based in Cambridge, MA. Outside of his advisory work, he manages a residential rental property in Cambridge. Fisher Financial Strategies provides fee-only financial planning and investment advisory services to individuals, families, and ERISA pension/profit-sharing plans. The firm emphasizes fundamental, long-term financial planning using low-cost mutual funds and index-based ETFs, delivering advice primarily through discrete written plans with optional implementation assistance.

Kannan Ramasamy is the principal advisor at Garch Capital LLC, an independent firm based in Andover, MA. He holds a Series 65 designation and has eight years of industry experience. His prior work includes roles at Vay Network Services Private Limited, Clayfin Technologies Private Limited, and Adarsh LLC. Garch Capital manages separately managed accounts for individual and corporate clients, focusing on long-only US equities through a model-driven investment process based on technical analysis and relative price performance. The firm emphasizes transparency in fee arrangements and supports business accounts with a corporate-level operational structure.

John Boyle is a financial advisor at Lennox Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with FOX & Company Investments Inc. and Fox Advisor Group since 1990. Lennox Financial provides discretionary investment management primarily to individuals, multi-generation families, and business owners through separately managed accounts, employing a blend of macroeconomic analysis, technical analysis, and fundamental research supported by proprietary methodologies. The firm operates as a solo-advisor practice with a focused client roster and emphasizes loss avoidance through selective use of derivatives and risk controls.

Timothy Mortellite is the sole advisor at Timothy Charles Financial, LLC, with 32 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Brokers International Financial Services LLC from 2009 to 2017. In addition to his advisory role, he is an independent insurance agent involved in the sale of fixed insurance products. Timothy Charles Financial, LLC provides discretionary investment management and financial planning services to individuals, high net worth individuals, trusts, and estates. The firm employs a long-term, fundamental investment approach using low-cost, diversified ETFs and mutual funds, managing approximately $98.5 million in client assets across about 177 client relationships.

Edward Tribble is a financial advisor at Monument Asset Management, LLC with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Manulife Asset Management and John Hancock. Since 2019, he has been with Monument Asset Management, a firm that provides financial planning, portfolio management, retirement plan consulting, and third-party investment adviser recommendations to individuals, high-net-worth clients, corporations, charities, and pension/profit-sharing plans. The firm customizes portfolios using asset allocation combined with fundamental and technical analysis and offers both discretionary and non-discretionary management, including ERISA fiduciary services and hourly billing options.

Steven Caron is the principal advisor at Old School Capital LLC, an independent investment advisory firm based in Andover, MA. He holds a Series 65 designation and has 24 years of industry experience. Caron has led Old School Capital since 2001. He is also a practicing CPA, and his firm has an operational affiliation with a separately owned accounting practice that results in reciprocal recommendations. Old School Capital primarily serves individual and high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations, banking institutions, and other businesses. The firm provides portfolio management, financial planning, pension consulting, and general advisory services, using fundamental, quantitative, and qualitative analysis methods to develop personalized investment policies and monitor third-party managers.

Jennifer Reid is a financial advisor at Base Planning LLC with one year of industry experience. She holds the Series 63 and Series 65 designations and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of her advisory role, she operates a separate business offering financial coaching that incorporates behavioral techniques. Base Planning LLC is a fee-only registered investment adviser serving primarily individual and high-net-worth clients. The firm employs an investment approach based on asset allocation and Modern Portfolio Theory, utilizing a combination of passive and active funds, outside managers, and TAMP platforms while maintaining ongoing portfolio oversight.

Adam Nowell is a financial advisor at R3I LLC in Boston, MA, holding a Series 65 designation with one year of industry experience. Prior to founding R3I LLC in 2026, he worked in various roles including positions at Dentsu and Spark Foundry/Publicis. Adam also has experience as a self-employed professional since 2023. R3I LLC provides fee-only financial planning and investment analysis to individuals, high-net-worth clients, and charitable organizations. The firm delivers financial plans and implementation guidance without taking custody of assets or providing discretionary management, employing a mix of fundamental, technical, and quantitative methods while offering fixed-fee or hourly planning arrangements instead of percentage-based fees.